Hello Vincky! I am Faiz and I can help you get that 100% you want.

For 100% loan, there are a couple of criteria, namely:

a) For single applicant, the loan gross income must be less than RM5000, for joint-loan application, the combined gross income must be less than RM10,000

b) The house price has to be less than RM400,000

c) You can buy both under-construction and sub-sale houses, no problem

I have successfully processed a number of 100% loan schemes for my customers, so you will be in good hands.

I also have a lot of banks under my wing, so I can match your risk profile with the suitable banks for your loan application.

Hope to hear from you soon!

What is the loan amount?

-2.3

but dont think can get though

RM800k

yep, this figure seems a bit hard.

looking for housing loan for the first house

area : Jalan 2/149B, Taman Sri Endah, Sri Petaling, 57000, Kuala Lumpur
market value : please do a valuation for me for this area
sf : 1200
gross monthly income : RM 2600
one CTB clear card, and also PTPTN loan, and no other loan
prefer 100% loan as I do not have enough cash in hand
please reply if you all need more info from me, thanks in advance.

Best Ive done a few weeks ago was -2.2% :|

Hello!

1. Okay, will get back to you with the valuation. But I need some input when it comes to this property:

a) What is the house type? Is it a double-storey terrace intermediate or what?
b) What is the expected selling price?
c) The 1200sf that you gave is that the built-up area (area in the house) or the land area? If it is one, then what is the other? Need this for valuation
d) Is there any renovations and extensions done to the house, please be detailed.

2. Okay, so the CTB is a CityBank credit card right? I assume you pay at least minimum on time every month? If yes your credit record should be good then.

3. 100% loan is my speciality. I have done a number of such cases. Let's do this 100% loan.

4. Your gross is RM2600, then I think your net income is roughly RM2300. Correct?

5. Are you below 35 years old?

6. Magic below. So lets do this. I have multiple banks under me, I will give my best shot to help you:



This post has been edited by wild_card_my: Sep 20 2013, 11:30 PM

Q1.it is a condo, expected RM 400k, 1200 sf for the unit inside the condo, no renovation

Q4. some correction, my net income is RM 2600, and I am 25 yrs old

This post has been edited by kenyawood: Sep 20 2013, 11:36 PM

Your net income? Okay

But at your salary, you can probably get about RM340k worth of loans. If it is RM400k it is going to be a little tough unless you have extra income in the form of:

a) Rental
b) Bonus within the past 6 months
c) Investment dividends consecutively in the past 2 years.



This post has been edited by wild_card_my: Sep 20 2013, 11:45 PM

you submitted mine bank yet ? i help u appeal 9 9

Hi various agents,

age: 23y.o
my basic income - 2712
OT (sept payslip) - 1687.51
has one joint housing loan with commitment/ each month Rm500
no car loan; no ptptn loan
has 2 CC, one under OCBC, one under PB- every month so far no O/S or late payment
insurance per month - 250

looking loan for 2nd house

area : Ketumbar Height (yellow painting one)
market value : not too sure
sf : 903
price around 300k
please advise on the loan amount for the highest, and do recommend for which bank loan that suit me the most

let me know if i miss out any important info. thanks all in advance.

May i know what is the different between Conventional and Islamic loan? Thank you

hi interested in a house but agent told me bank valuation is only 300k and asking price at 350k. Can anyone help me to check? if can get valuation at 350k will proceed with loan.

address : No36 Jalan Dato senu 38
Taman dato senu
51000 kl
type :3-sty Terrace/Link House
leasehold
intermediate
size :12x55 sq. ft.

kitchen extended (owner tell me it's not registered so bank don't take in valuation)

Noted. Will see what I can get and get back to you on Monday evening. However can you furnish me with these details:

a) 12x55 is probably the land size, would you know the actual built-up size of the house?

b) How old is the property? Have it already got its own individual title?

c) Does it have any built-in wardrobes, kitchen cabinet, and plaster ceiling? If yes, please detail them out.

Thank you.

In terms of interest rate, tenure, and margin of financing, they are all the same.

Most Islamic loans do not have lock-in periods though, unless stated by the bank

Islamic loans that is based on Diminishing Musyarakah is a buy-and-lease contract. The bank and you co-purchase a property, with the bank's share being 90% and yours 10%. Over the course of the loan, you will purchase the bank's share in the property, and at the same time they would lease the property to you as they hold a share in the property.

I offer both conventional and Islamic loans from multiple banks, hope you will get my service when you need a loan to finance your purchase.

Thank you.

hi thanks in advance

a)will confirm once agent get back to me
b)roughly 20-30 years will reconfirm also,already got individual title.
c)built in wardrobe in masterbedroom,extended kitchen with cabinet,4 aircond, as per http://m.iproperty.com.my/Listing/Details?id=2447226

Noted. Will get as best valuation as possible. Do you have a number I can call?

Thank you.

Hello Bearbear

1. For the OT, can you give me the average OT you have received for the past 6 months? Best if you can sum the OT you receive and divide by 6 months.

2. For the joint HL commitment, what was the original loan amount?

3. As for the house, I can help you do valuation on it. Can you give me the:

a. Full address
b. Type of property
c. Built-up area
d. Land area if applicable
e. Renovations and extensions done to the house including the cost of renovations if any. Please be detailed.
f. Expected market price, or asking price.

4. As for the loan, I have a lot of banks under me. Ill help match you with the best bank for your risk profile.

Thank you.

hi wild card my,

past six months around April I got bonus for RM 2800, can this be included for the loan calculation? by the way, have you get any market value for the said property?

Hello Kenyawood,

1. Yes, the bonus can be included into the income calculation, thus increasing your maximum loan amount

2. No, I have not gotten the market value. I would need the information listed above before I can run the house with the valuers...

Can you get the info for me?

Hi wild card my,

My name is Yeap,
I hv 120 k debt - c.c 90k, personal loan - 30k,
Housing loan with RHB with outstanding balance of 60k.

Not prompt paymaster. sometimes missed up to 4 mths payments. most cc cancelled.

If i pay off all cc debt of 90k, am i able to refinance my house?

Please advice or any other options i can try...

Thanks

a. Full address : 2-6-3, Jalan 2/149B, 57000 Sri Petaling, Kuala Lumpur
b. Type of property : condo
c. Built-up area : 1,130 sf
d. Land area if applicable : ??
e. Renovations and extensions done to the house including the cost of renovations if any. Please be detailed. : no extension
f. Expected market price, or asking price.: RM 420 K

How stanchart count allowance?
100% of allowance or 1% of allowance?

How hsbc count allowance?
100% of allowance or 1% of allowance?

100% if it was fixed allowance for every months